4130 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4130 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,464 sqft · built 2019
Lot Size	0.165 acres (7,224 sqft)
Owner	Individual Name on Record
Last Sale	$1,590,000 (Jul 2019)
Tax Bill	$9,035 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Jul 2019 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-063`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-063`
Alternative APNs	`114249` `355993`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,464 sqft Heated Area
1st Floor Area	1,732 sqft
Upper Floors Area	1,732 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,224 sqft (0.165 acres)
Lot Dimensions	104 ft deep x 69.2 ft wide
View / Lot	Waterfront / Beach
Pool Area	220 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	355993
Street Address	4130 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.2' X 104.4' IRR LOT 64 TERRY COVE HARBOR SUB SLIDE 1365-ATHRU 1367-A SEC 4-T9S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	64
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

Source: Baldwin County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2018	Deed of Trust, Mortgage · Line of Credit CENETENNIAL BANK
Jul 17, 2019	Warranty Deed, Subdivision Related Transfer · ARM CENTERSTATE BANK OF FLORIDA NA
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS & MARINE BK
Sep 19, 2018	Warranty Deed, Transfer ATTORNEY ONLY
May 18, 2018	Warranty Deed, Transfer · Line of Credit JOHN C & MARY A WHITNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019 · Amount on Record
Deed Sale	Jul 17, 2019 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	20191772195
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001712338
Date	Aug 7, 2018
Instrument	1712338

Lender

Name	CENETENNIAL BANK
Type	Non-Lending Institution
Address	GULF SHORES, AL 36547

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 17, 2019
Property Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001772195
Map Reference	SL 1365-A&B &1366A&B
Instrument Date	Jul 16, 2019
Instrument	1772195
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1683, ORANGE BEACH, AL 36561-1683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522

Mortgage

Document Number	0001772196
Date	Jul 17, 2019
Instrument	1772196

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001727411
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1683 ORANGE BEACH AL 365611683, ORANGE BEACH, AL 36561-1683

Mortgage

Document Number	0001727411
Date	Oct 30, 2018
Instrument	1727411

Lender

Name	MERCHANTS & MARINE BK
Type	Bank
Address	GULF SHORES, AL 36542

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 19, 2018
Property Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001720560
Instrument Date	Sep 10, 2018
Instrument	1720560
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1683 ORANGE BEACH AL 365611683, ORANGE BEACH, AL 36561-1683

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 18, 2018
Property Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001696836
Instrument Date	May 16, 2018
Instrument	1696836
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 709 ORANGE BEACH AL 365610709, ORANGE BEACH, AL 36561-0709

Mortgage

Document Number	1696837
Date	May 18, 2018
Instrument	1696837

Lender

Name	JOHN C & MARY A WHITNEY
Address	4135 HARBOR RD, ORANGE BEACH, AL 36561-3579
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,035.00 (+7.05%) Homeowner's exemption
2025	$8,440.00 (+21.65%)	$265,680 (+21.46%) Land $113,980 Building $151,700	$2,762,300 (+26.29%) Land $1,185,000 Building $1,577,300
2023	$6,938.00 (+11.9%) Homeowner's exemption	$218,740 (+11.8%)	$2,187,300 (+11.79%) Land $971,400 Building $1,215,900
2022	$6,200.00 (+21.12%) Homeowner's exemption	$195,660	$1,956,600 Land $771,400 Building $1,185,200
2021	$5,119.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 296 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,104 units insured incl. 808 condo units
Nearby Flood Claims	159 (1995–2020)
Claims Outside the SFHA	6 of 159
Most Recent Claim	Oct 2020 · tidal / storm surge
Claims by Event	Hurricane Sally, Sep 2020 · 127 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Ivan, Sep 2004 · 19 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 76% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ORANGE BEACH WATER SEWER AND F.P.A. serves 17,796 people · EPA ID AL0000053
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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